FAIRMONT
Charter #3439 · FAIRMONT, WV · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.03% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.93% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 54th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FAIRMONT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $602.46M | 25th pct | 54th pct |
| Members | 45,432 | 62th pct | 66th pct |
| Net worth ratio | 9.89% | 39th pct | 31th pct |
| Return on average assets | 0.62% | 48th pct | 38th pct |
| Net interest margin | 3.03% | 22th pct | 8th pct |
| Cost of funds | 1.08% | 27th pct | 28th pct |
| Loan-to-share | 69.03% | 21th pct | 31th pct |
| Delinquency 60+ days | 0.30% | 23th pct | 28th pct |
| Net charge-off ratio | 0.05% | 5th pct | 3th pct |
| Loan growth YoY | 2.10% | 62th pct | 46th pct |
| Share growth YoY | 7.52% | 88th pct | 92th pct |
| Efficiency ratio | 83.93% | 74th pct | 82th pct |
structural peer set hash: 2a890ed52778bb9f90c8f95dc2ad728d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.